Steps of the zero-sum budget
- Determine how much you make on any given month.
- List your bills: Once you determine how much money you'll make this month, figure out how much money you need to spend next month.
- Compare and contrast: Once you see your monthly income and your monthly bills on paper, a clear picture of how much money is left over emerges.
- Spend all of your money on paper: decide where that money will serve you best.
- Track your spending.
- Make adjustments to get it right.
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